Samsung Pay FAQs

Overview

  

  • What is Samsung Pay?
    Samsung Pay is a convenient and simple way to make mobile payments with selected Samsung Galaxy phones, and it works at virtually any retailer where you can tap, swipe or scan your card.

  • Why should I use Samsung Pay instead of my plastic cards?
    Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don't have.

  • How does Samsung Pay work?
    Samsung Pay uses proprietary Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments.

  • What devices are compatible with Samsung Pay?
    Samsung Pay supports Galaxy S 7, Galaxy S 7 edge, Galaxy S 6 edge+, Galaxy Note 5, Galaxy A5 (2016) & (2017), Galaxy A7 (2016) & (2017).

  • Which payment cards can I register to Samsung Pay?
    Currently, you can register all types of MasterCard credit card issued by NBAD.

  • Can Samsung Pay make online purchases?
    Not currently. Samsung Pay is focused on enabling simple and secure in-store payments. Online and in-app purchases will be considered for future releases of Samsung Pay.

  • What should I do if I lose my original payment card and then receive a replacement card?
    The payment cards on Samsung Pay are digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you need to delete the original payment card from Samsung Pay and register the replacement card.

  • Can I use Samsung Pay in foreign countries?
    The Samsung Pay service will be available in the UAE. Please check your card issuer’s policies for transactions in foreign countries. If you can use your card in the country you are travelling to, you should be able to use Samsung Pay to make a payment.

  • Which Gear model supports Samsung Pay in the UAE?
    Samsung pay is available on Gear S3 model.
  • How does Samsung Pay work on the Gear S3?
    Samsung Pay on Gear S3 supports both MST (Magnetic Secure Transmission) and NFC (Near Field Communication) payment technologies, meaning it works almost anywhere you can tap or swipe your credit or debit card. Once you activate Samsung Pay on Gear S3, you simply press and hold the ‘back’ key to launch the app, rotate the bezel to select your card, and pay by holding your Gear near a card or NFC reader, even if you don’t have your phone with you.
    Note:
    Enter PIN code when strapping Gear on your wrist. You don’t need to enter PIN again as long as your Gear is on your wrist.
    For more information, please visit our customer support page:
    http://www.samsung.com/ae/samsung-pay/
  • How to pay using S-pay in the Gear S3?
    1. Press and hold the ‘back’ key
    2. Rotate the bezel to select your card
    3. Pay by holding your Gear near a card or NFC reader
  • Is Samsung Pay on Gear S3 compatible with non-Samsung smartphones?
    Samsung Pay on Gear S3 is compatible for setup with any Android smartphones running 4.4 Kitkat or above. For more information please visit:
    http://www.samsung.com/ae/samsung-pay/
  • Why should I use Samsung Pay instead of my plastic card?
    Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have.
    Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.
  • Compatible Banks and Credit Cards
    Samsung Pay has partnered with Visa®, and MasterCard® payment card networks in conjunction with UAE banks. Additionally, we are working hard to expand our partnerships with popular financial partners to support Samsung Pay. A detailed list of supported banks and issuers and more information about which of their cards are compatible with Samsung Pay can be found at: http://www.samsung.com/ae/samsung-pay/
    Note: Some cards from participating banks may not be supported in Samsung Pay. Contact your bank for more information.
  • Can I use Samsung Pay on Gear S3 on its own? Do I have to keep my phone nearby?
    Yes, once Samsung Pay is setup on Gear S3, you can use it as a standalone payment device while on the go. Your smartphone does not need to be nearby to use Samsung Pay on Gear S3.
    Note:
    1. For best results, Samsung Pay on Gear S3 requires network connection through Wi-Fi or via Bluetooth pairing with compatible smartphone. After Initial setup, Samsung Pay on Gear S3 can make payment without your phone and a network.
    2. Samsung Pay on Gear must be activated with the user’s Android smartphone, running version 4.4 KitKat or above, before they can leverage this function.

How it works

 

  • How do I make in-store purchases with Samsung Pay?
    1. Initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen.
    2. Select the card you want to pay with by swiping left or right.
    3. Verify your fingerprint or PIN and touch your phone to either the card reader or NFC reader to complete the transaction.

  • How can I cancel a payment made using Samsung Pay?
    Cancelling a payment made with Samsung Pay is the same as a physical card. The exact process will depend on the policies of your card issuer and the merchant you made the purchase from.

  • How is my default payment card in Samsung Pay determined?
    There is no "default" card in Samsung Pay. When you open the app or activate the Simple Pay feature by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

  • The cashier asks for the last 4 digits of the card but the transaction still does not work, what should I do?
    In case the merchant asks you for the last four digits of the card number, you will need to provide the last four digits of the digital card number, instead of the last four digits of the physical card. For ease of use, it is located on the left side of the card in the Simple Pay screen, and in the main app when viewing your registered cards.

  • How can I keep track of purchases I’ve made with Samsung Pay?
    Samsung Pay shows you the last 10 purchases. To see them:
    1. Open Samsung Pay
    2. Select the card
    3. At the bottom of the screen you should see your recent purchases.
    However, currently, due to some merchants' policies, the amount of money that you have spent cannot be viewed in the list. We are sorry for any inconvenience and will do our best to resolve this with merchants.

  • Can I continue to use my physical payment card if I disable Samsung Pay or remove the digital equivalent on Samsung Pay?
    Yes. When you disable Samsung Pay or remove a registered card, you are only suspending the token, or digital card number, that has been assigned to your device for that card. If you wish to suspend you physical card, please contact your card issuer for assistance.

Card Registration

 

  • How can I register my card?
    Cards can be either automatically registered by scanning your card with Samsung Pay or manually inputting the card information.
    Then, depending on the policies set by your bank or credit union, Samsung Pay will prompt you to verify your identity through an email, SMS or a phone call.
  • How long will it take for my card to activate after registering it with Samsung Pay?
    It will take 10 minutes for your card to be activated after registering with Samsung Pay.
  • How many cards can I register with Samsung Pay?
    You can register up to 10 payment cards with Samsung Pay.
  • Can I register the same card with more than one device using Samsung Pay?
    Yes. However the total number of devices you can register a card to may vary. Contact your card issuer for more details on the number of devices that you can register your card to.
  • Can I use Wi-Fi for card registration with Samsung pay?
    Yes. However, for the best experience, the device should have a SIM card installed. If you encounter any issues when registering the card over Wi-Fi, we suggest switching to a cellular data connection.
  • What should I do if I have trouble adding a payment card to Samsung Pay?
    Please check your internet connection first and if it still doesn't work, please contact youe bank call centre for more information.

  • What should I do if I lose my original payment card and then receive a replacement card?
    The payment cards on Samsung Pay are digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you may need to remove the original payment card from Samsung Pay and register the replacement card.
    For your convenience, many card issuers will link your new physical card number to your digital card number in Samsung Pay. This allows you to still have access to your purchasing accounts while you wait for the new physical card to arrive.
  • How can I register my card into the Samsung Pay app on Gear?
    Go to Samsung Gear app - Samsung Pay. Cards can be either registered by optical card recognition (OCR) or manually inputting the card information. Just like the regular Samsung Pay product for the phone, the user will be prompted for identity verification through a text message, email, or phone call.
  • Do cards already registered in the Samsung Pay product on the phone automatically import to the Gear?
    No. Cards have to be separately registered.
  • How many cards can I register into the Samsung Pay app on Gear?
    You can register up to 10 payment cards (credit cards and debit cards).

Technical

 

  • What is MST?
    Magnetic Secure Transmission or MST, is a groundbreaking method of sending data using magnetic waves. MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST turns every card reader into a contactless payment receiver.
  • What is NFC?
    Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.
  • What is the difference between MST and NFC technology?
    For the average user there is no difference between using NFC or MST. The technology, called MST is able to simulate the magnetic field, which is similar to a conventional credit card signal. The payment terminal thinks that you have held up the card, rather than put the phone against it. The radius of action is similar to NFC - up to 7 centimetres.
    For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that approximately 90% of all merchants can accept MST, which makes Samsung Pay the most accepted mobile payment service on the market.
  • Which is more secure, MST or NFC?
    In the context of Samsung Pay, MST and NFC have the same level of security. The payment information transmitted by both MST and NFC is protected using tokenization.
  • How accurate is the fingerprint scanner?
    The Fingerprint scanner has a false acceptance ratio of 0.002%. In this case, Fingerprint scanning is highly secure in that it is unlikely that a different person can log in to Samsung Pay with Fingerprint security.
  • How close does the device have to be to the card reader for MST to work?
    The device should be placed within approximately an inch of the NFC reader in order for the payment to work.

  • What are the device/OS requirements for Samsung Pay on Gear?
    Any Android phone with OS version 4.4 or above which support Samsung Gear application.

Security

 

  • How secure is Samsung Pay?
    Samsung Pay uses Tokenization, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either with your fingerprint or a 4-digit PIN when making purchases.
  • What is Tokenization?
    Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.
  • What is a Secure Environment, or Trusted Execution Environment?
    A Secure Environment is a physically segregated chip in the phone which only allows access to highly sensitive operations/information such as fingerprint and payment information. Normal applications and malware have no access to the information in a Secure Environment.
  • How is Samsung KNOX used with Samsung Pay?
    Samsung Knox checks and protects the device for malware. If Samsung Knox detects a malicious software, Samsung Pay will be disabled by Samsung Knox.
  • Does Samsung Pay have access to my bank accounts?
    No. Samsung Pay does not have access to your bank accounts.
  • Does Samsung Pay store my personal/payment information on a server or my device?
    No. Samsung does not store your personal/payment information on a Samsung server or the device.
    Samsung Pay does not change the way your payment information is stored or handled when you make purchases. Your payment information will continue to be managed by your card network and card issuer.
    Only a device-specific Token, which is used to replace your sensitive payment information, is stored on the device.
  • Will my Samsung Pay information still be on my device if it is formatted?
    No. Formatting your device will remove all payment cards registered to your device.
  • What should I do if my device is lost or stolen?
    Your payment information is not accessible without Samsung Pay PIN. For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Pay. Alternatively, you can choose to erase your entire device and/or removable storage.
    When you lock Samsung Pay using Find My Mobile(http://findmymobile.samsung.com/), all payments will be disabled on the device.
    Note: If you notice any suspicious activity with your account or if you are unable to lock Samsung Pay, contact the card issuer immediately by calling the number on the back of your physical payment card.

  • How secure is Samsung Pay?
    Samsung Pay is very secure payment platform service.
    Samsung Pay uses Tokenization, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify your PIN when making purchases.
    Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.
    Samsung Pay does not store the account or credit card numbers of cards on the device, instead using tokenization for transactions. Each time a purchase is made, the Samsung Pay handset sends two pieces of data to the payment terminal. The first is a 16-digit token that represents the credit or debit card number, while the second piece is a one-time code or cryptogram that's generated by the phone's encryption key.
    For more information about Samsung KNOX, please visit https://www.samsungknox.com/en
  • Without a fingerprint scanner, how can I be sure someone won’t use my credit or debit cards if I lose my watch?
    Samsung Pay on your Gear protects your card information with the same advanced security as Samsung Pay on your Samsung Galaxy phone, using tokenization, KNOX and PIN protection to make secure payments. Once Samsung Pay is activated on your Gear, your smartwatch will enable the PIN protection. You must enter your PIN each time you put on the Gear, and you won’t need to enter your PIN again until you take your Gear off, making shopping with Samsung Pay on the Gear simple and secure.
  • If I lost my Gear or had it stolen, can someone use my credit or debit card?
    No. This is because Samsung Pay will need PIN every time when you put the Gear on your wrist. Also you can remotely lock or wipe Samsung Pay at https://findmymobile.samsung.com/
  • What is the maximum number of times the PIN can be entered on the Gear before cards are deleted?
    After 10 wrong tries, the cards on the Gear will get deleted.
  • Is the PIN of Samsung Pay on Gear the same as the Gear device PIN?
    Yes. There is only one secure PIN used on the Gear.
  • How often does the user have to re-authenticate via PIN?
    If the Gear is on the wrist, users only have to authenticate once before all subsequent payments. If they take the Gear off their wrist, they have to authenticate each time before putting the Gear into payment mode.
  • How many seconds after a user takes the watch off their wrist will they be deauthenticated?
    Approximately 3 seconds.
  • How many seconds after a user triggers the Gear into payment mode (by doing a Press and Hold on the Back Key), do they have to transact?
    Up to 30 seconds.
  • What types of constraints are there on the PIN?
    The PIN cannot be sequential numbers (ascending or descending like 2345 or 8765 is not allowed) and the PIN cannot use the same number for all four digits (e.g. 3333 is not allowed)

Basic

 

  • How do I install Samsung Pay on Gear S3?
    Samsung Pay on Gear S3 is integrated into your Gear software. Press and hold ‘Back’ key to open Samsung Pay. If Samsung Pay is not available on your Gear, it may be necessary to update Samsung Gear via Google Play store and update the Gear software.

  • How do I set up Samsung Pay on Gear?
    There are a few easy steps to set up Samsung Pay on Gear:
    1. From any Android smartphone running 4.4 KitKat or above, launch the Samsung Gear app and go to the Samsung Pay companion app. If you do not have a Samsung smartphone, you will first need to download the Samsung Gear app to complete the above.
    2. Activate your Samsung account and tap to add a card.
    3. You need to enable Screen lock (tap turn on). Enter your four-digit PIN code on Gear.
    4. Either add your card by taking a photo of it (allowing for optical character recognition*) or by entering the card information manually.
    5. Once you’ve finished entering in your card details, press and hold the ‘back’ key to open Samsung Pay.
    *Optical character recognition (OCR) only reads the card number and expiration date; users must enter the rest of their information, like CVV, manually

  • Can I tap and pay with Gear at any angle?
    Samsung Pay on Gear works comfortably at any angle for users, however for the most seamless payment experience; we encourage users to tap the top edge of the watch interface to the NFC or Magnetic Stripe reader on the point of sale terminal.

  • What is the Samsung Pay companion app on the phone?
    The Samsung Pay companion app on the phone is used to manage the Samsung Pay app on the Gear. It is accessed from a menu in the Samsung Gear F21application and provides the User Interface to assist card management, notification settings, Terms of Use and transaction history review for Samsung Pay app on Gear.

  • Do transaction notifications show up if the payment is made by Gear?
    Yes. Notifications are shown on the phone and on the Gear. Notifications can be turned off for either by the User.

  • How can I keep track of purchases I've made with the Samsung Pay app on Gear?
    The transaction history is shown in the Samsung Pay companion app on the phone.

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